Tom Bourlet has never checked how much is in his pension pot – because he fears there won’t be enough in there.

The 38-year-old, from Brighton, thinks he has four separate workplace pensions, but does not know for sure.

He started paying into the first one in 2012, but soon after this, he switched to being self-employed.

This lasted for five years and self-employed people do not get pension contributions unless they pay in themselves.

Tom did not, which left a big gap in his savings history . Adding to this, after returning to employment, he only paid the minimum level into his retirement pot required under auto-enrolment.

In a new role now, he’s decided to change tack.

“I started my new role recently and have requested my contribution is increased by 3 per cent more [than the mi

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